ČSOB Smart klíč vs IBIS InGold
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ČSOB Smart klíč
Securely log in and confirm transactions for online banking and e-commerce. This app offers biometric authentication like Face ID or fingerprint, eliminating the need for SMS codes. It also provides offline transaction confirmation and a branch/ATM locator.
- Secure login and payment confirmation
- Biometric authentication (Face ID, fingerprint)
- Offline transaction confirmation
- Remote verification for calls
- Branch and ATM locator
- Supports mobile phones and tablets
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The ČSOB Smart Key will make it easier for you to log in and confirm payments in internet banking, as well as card payments in e-shops, or remote verification when calling the Infoline or a bank branch. You don't have to wait for a confirmation SMS and then rewrite the code from it. With the Smart Key, notifications will pop up immediately and you will confirm the request with a Face ID, fingerprint, or numerical PIN. Why to use ČSOB Smart Key application: • Conveniently log in and confirm the payment in internet banking • Easily confirm card payments on the Internet • The app can verify you remotely when calling the Infoline or bank branch • You can use a Face ID or fingerprint instead of a numerical PIN • Authentication complies with bank-grade security standards • Being offline is not a problem: app works also offline for confirming transactions in internet banking • A map of branches and ATMs is a part of the app • You can install it on both your mobile phones and tablets After downloading, simply activate the application in internet banking. For more information visit page https://www.csob.cz/smartkey
IBIS InGold
Securely pay and receive payments using gold, bypassing traditional currency. Manage your gold balances, make fast payments via QR code or NFC, and confirm transactions with robust security features.
- Pay with gold
- Send and receive gold payments
- QR code payments
- NFC payments
- Biometric authentication
- Manage multiple user accounts
- Overview of gold balances
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Pay with gold safely and conveniently. Pay with gold from anywhere in seconds. Send and receive payments in gold, regardless of any currency. With the IBIS InGold app, you have the world of gold in your pocket. SECURITY ABOVE ALL The IBIS InGold app complies with the latest security standards. Access to the app is protected by PIN code or biometric authentication. PERFECT OVERVIEW At your hand, you have an overview of available balances in your weight accounts, purchases, payments received and withdrawals made. You can manage multiple user accounts with one app. FAST PAYMENT You can pay by scanning a QR code, and with merchants, you can also use NFC payments. QR codes with Pay Me functionality are available. Gold payments are made online. CONFIRMATION OF PAYMENTS ENTERED In the application you securely confirm the payouts you will make from your gold accounts. Of course, that's not all. Download the app and discover for yourself what it can do.
Screenshots
Verdict
The clearest difference is update cadence: IBIS InGold at every 2 weeks against ČSOB Smart klíč's every 6 weeks. ČSOB Smart klíč's advantage is review sentiment (33% vs 25%). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
ČSOB Smart klíč ships an update every 6 weeks, IBIS InGold every 2 weeks. The most recent releases landed on August 19, 2026 and June 1, 2026 respectively.
| Parameter | ČSOB Smart klíč | IBIS InGold |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (32 ratings) — better | — |
| Positive reviews | 33.3% of reviews — better | 25.0% of reviews |
| Number of ratings | 32 — better | — |
| Update frequency | Every 6 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPad, iPod |
| Requires iOS | 15.0 — better | 16 |
| Further details — not scored | ||
| Size | 113 MB | 44 MB |
| Age rating | 4+ | 4+ |
| Developer | Československá obchodní banka, a.s. | IBIS InGold a.s |
Customer experience
ČSOB Smart klíč
IBIS InGold
In-app purchases
ČSOB Smart klíč
No in-app purchases
IBIS InGold
No in-app purchases
Questions
Is ČSOB Smart klíč free?
Is IBIS InGold free?
Do ČSOB Smart klíč or IBIS InGold have ads?
Which is updated more often, ČSOB Smart klíč or IBIS InGold?
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